First National Bank Of Waterloo is a bank based in Waterloo, Illinois, established in 1912, with $949 million in total assets across 16 branches. By Trust Grade it ranks 197th of 328 banks we track in Illinois. Its capital ratio of 9.4% trails most similarly sized banks (36th percentile), versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 0.89% return on assets. No consumer complaints against First National Bank Of Waterloo appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First National Bank Of Waterloo compares to Illinois peers
How we graded First National Bank Of Waterloo
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.4% capital ratio)
- Profitable (ROA 0.89%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First National Bank Of Waterloo over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (16)
- 744 N Market St, Waterloo, IL 62298
- 1421 N Main St, Columbia, IL 62236
- 600 S Van Buren St, New Athens, IL 62264
- 110 E Main St, Stewardson, IL 62463
- 228 S Main St, Waterloo, IL 62298
- 961 N Market St, Waterloo, IL 62298
- 210 E Fayette Ave, Effingham, IL 62401
- 100 E Clay St, Collinsville, IL 62234
- 720 E Lyons St, Marissa, IL 62257
- 645 E Washington St, Millstadt, IL 62260
- 2110 N Center St, Maryville, IL 62062
- 1177 N Green Mount Rd, O'Fallon, IL 62269
- 107 N 2nd St, Dupo, IL 62239
- 4053 State Route 159, Smithton, IL 62285
- 4101 N Illinois St, Swansea, IL 62226
- 856 Sparta St, Saint Libory, IL 62282
Are deposits at First National Bank Of Waterloo insured?
Yes. First National Bank Of Waterloo is an FDIC-insured bank (FDIC certificate #3842). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First National Bank Of Waterloo: frequently asked questions
Is First National Bank Of Waterloo a good bank?
First National Bank Of Waterloo earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (9.4% capital ratio); Profitable (ROA 0.89%).
Is First National Bank Of Waterloo FDIC-insured?
Yes. First National Bank Of Waterloo is a FDIC-insured bank (FDIC certificate #3842). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First National Bank Of Waterloo?
First National Bank Of Waterloo holds $949 million in total assets, ranking 197th of 328 banks we track in Illinois. It operates 16 branches.
Does First National Bank Of Waterloo have CFPB complaints?
No CFPB complaints against First National Bank Of Waterloo appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
